Proof of Insurance

Minimum Insurance Requirements

The State of Colorado requires minimum insurance requirements of the below amounts in order to register your vehicle:

  • Bodily Injury: $25,000 per person / $50,000 two or more persons
  • Property Damage: $15,000

Important Note

Out of state insurance holders must also meet the minimum insurance requirements.

Accepted Proof of Insurance Documents

Colorado requires that all registered vehicles operating on Colorado roads to be properly insured. Effective July 1, 1999, all owners of Tax Class C (passenger, motor home, and motorcycle) will be required to provide proof of insurance for the vehicle prior to vehicle registration/renewal. This does not change the fact that all motor vehicle types must have insurance coverage.

We will accept the following as proof of insurance coverage:

  • Binder/letter from an insurance company on company letterhead
  • Declaration Page
  • Valid Insurance Card


The County Motor Vehicle offices will renew your vehicle registration when shown proof of insurance. It is not the responsibility of this office to contact the insurance company; this responsibility lies with the vehicle owner.

License plates cannot be renewed without proof of insurance. Proof of insurance with said vehicle identification number (VIN) must be presented to receive a temporary permit. Although insurance companies may insure vehicles for 30 days, state law requires proof of insurance on that vehicle.